Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 10,638

Spot is committed to helping pets lead longer, healthier lives by providing pet health insurance with best-in-breed service and high-quality coverage.  This is especially important at a time when vet care is becoming more expensive each year. Spot’s focus is to provide pet owners with the tools to help create a world of healthier pets and happier owners. Our pets are part of our pack, and it’s important to treat them with the same respect as our human family. A big part of that is to provide proper healthcare for our furry friends and enable a healthy lifestyle for pet families at both ends of the leash. With the costs of today’s pet care, having Spot in your corner is helpful for your pet’s health and wellness needs. Spot policies help cover a wide range of covered conditions such as accidents, illnesses, medications, diagnostics, exams for covered conditions, and treatment—even alternative therapies. Spot also provides preventative plans, which include dental cleanings, vaccinations, flea prevention and more for a little extra cost! Spot wants pet parents to worry less and play more with their furry family. Discover the peace of mind of having Spot Pet Insurance.
5

out of 5

POSTED: | BY: Shayne Fleming

I highly recommend SPOT pet insurance

I am so impressed with SPOT's response time, fairness, and the support which is offered on their site. In past years, I have used two other pet insurance companies with little satisfaction. I adopted an older dog off the streets, so history is not available. He obviously has pre-existing conditions. but SPOT has been very fair about sorting out pre-existing versus covered vet expenses. They will cover him for his life, versus some companies that stop at a certain age, the cost is actually a few dollars less than the last company for better coverage, and their process time has been within a week. I highly recommend the company.
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5

out of 5

POSTED: | BY: Terry Smith

Very impressed with the caring person I…

Very impressed with the caring person I spoke with concerning my claim. Very fast return of payment. Could not have ask for anything else from Spot. Hey they were "Spot on". Thank you
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5

out of 5

POSTED: | BY: Valerie

Turn around time from placing claim and…

Turn around time from placing claim and its approval was a short time frame
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5

out of 5

POSTED: | BY: Kim Vogel

Amazing coverage!!!

I am honestly shocked that this has been such a good experience as working with insurance companies (for any living creature) is usually a nightmare. It is SO easy to submit claims. The claims are reviewed in a timely manner, and checks are issued if warranted. Spot doesn't make customers jump through unnecessary hoops, which is greatly appreciated. I wish I would have signed up sooner!
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5

out of 5

POSTED: | BY: Tamara Baldwin

So glad I have this insurance

So glad I have this insurance. They made it so easy to put in a claim. The claim was paid within a week.
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Monthly Cost

Rates start at: $10 (for accident only), $16 (Complete Coverage). plan costs vary based on plan type, pet breed, age, and location.

Coverage

The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

Payout Limits

Annual limits can be set by the customer, ranging from $2,500 to $20,000, including an unlimited option. No lifetime limits.

Deductible

$100, $250, $500, $750 or $1000 annually.

Age Limits

No upper age limits. Pets must be at least 8 weeks old to enroll.

Waiting Period

There are no waiting periods for preventive care. Coverage begins 14 days after date listed on policy for accidents, illnesses, and knee/ligament conditions.

Exclusions

Pre-existing conditions, cosmetic procedures and breeding costs are not covered. Spot Pet Insurance has two Preventive Care plans that can be added to help cover a pet’s wellness care, including annual exams, vaccinations, tests, dental cleanings and flea/heartworm preventive. Preventive Care plans reimburse up to a set amount for each listed treatment. If your pet exhibited symptoms of a knee and ligament condition at any time, prior to enrollment or during a waiting period, all ligament and knee conditions will be excluded. Ligament and Knee are conditions involving a ligament, patella, meniscus or soft tissue disorder of the knee. Accident-Only coverage available. for a full list of exclusions visit spotpetins.com/sample-policy
Spot Pet Insurance detail
Spot Pet Insurance is committed to helping pets lead longer, healthier lives by providing pet insurance with affordable and customizable plan options. Plans cover accidents, injuries, illnesses and more, and features simplified reimbursement based on percentage of invoice. Preventive Care is available at an additional cost. Policyholders can use any licensed vet, including coverage eligible mobile and virtual vets. Insurance plans are underwritten by United States Fire Insurance Company. Insurance plans are marketed and produced by Spot Insurance Services, LLC. (NPN # 19246385)
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